Turn your houseinto a home

100% online Rates from 9.99% No quotes or valuations required

Home Improvements Loans(without all the paperwork!)

Home Improvements Loans(without all the paperwork!)

100% online No quotes or valuations required Up to $35k unsecured 99% funded in 24 hrs

100% online No quotes or valuations required Up to $35k unsecured 99% funded in 24hrs

Getting some work done around the house? Don't put up with your bank micro-manage your finances while you do. A Home Improvements loan through Harmoney could give you ALL the money you need straight away, without the need for quotes from tradies first.

Getting some work done around the house? Don't put up with your bank micro-manage your finances while you do. A Home Improvements loan through Harmoney could give you ALL the money you need straight away, without the need for quotes from tradies first.

If you're looking to make those personal touches that will bring your house one step closer to your dream home, a home improvement loan funded by Lenders on Harmoney's peer-to-peer marketplace could help you make it happen without sacrificing equity.

Rates from 9.99%.

Up to $35,000, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

Start your application.

“How much would you like to borrow?”

Select your preferred loan term

36 month term

Weekly repayments*

60 month term

Weekly repayments*

Enter amount from $1,000
-$35,000

$1,000Loan amount$35,000

100% online application

Rates from 9.99%

Up to $35,000, unsecured

Funded in hours**

** 99% of loans are funded in 24 hours after submission to the marketplace (FY17).

* Subject to approval and funding. Harmoney’s interest rates start from as low as 9.99% p.a., are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

Get Started

Home Improvement Loan Calculator

Getting a home improvement loan funded by Lenders on Harmoney’s peer-to-peer lending marketplace is easy. If you’re looking to do some home renovations but don’t want to borrow against your home equity, a Harmoney home improvement loan could be an ideal alternative. With no equity reversal, our unsecured loans mean you won’t have to put your house on the line.

Home Improvement Loan Calculator

Try out our loan calculator to start your obligation-free, online loan application, and to get an indication of how much your repayments could be. With personalised, risk-based interest rates starting from 9.99%*, and no early repayment penalties, there’s never been a better time to get started on that home improvement project.

Tackle your DIY with up to $35,000

Whether upgrading the kitchen, adding another bedroom or maybe extending the garage, a home improvement loan through Harmoney could save you time and money. Apply for $1,000 to $35,000, and you could be breaking out the tools in just a few days – or get someone else to.

Peer-to-peer Lending

Peer-to-peer lending is the revolutionary new way to borrow money. Harmoney has introduced this global phenomenon to New Zealand by connecting Borrowers and Lenders through our online marketplace, helping Kiwis enjoy a better experience, using our automated, 100% online process. Find out more about P2P lending.

What is Harmoney?

Harmoney is NZ’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online.

Related reading

*The Legal Stuff

Harmoney's interest rates are offered based on the individual borrower's credit rating according to Harmoney's credit scorecard. To apply for a personal loan through Harmoney, you must be a New Zealand resident aged 18 years or older with a valid New Zealand driver licence or valid New Zealand passport. You must have an acceptable credit record, as determined by Harmoney at its discretion.

Harmoney Limited (FSP373486) is licensed to provide a peer to
peer lending service under Part 6 of the Financial Markets
Conduct Act, 2013. The conditions of the licence imposed by
the Financial Markets Authority are published on
www.fspr.govt.nz.

$500.00 platform fee. Fixed rates range from 9.99% p.a. to 39.99%. p.a. on 36 to 60 month terms, with no early repayment penalties.